Find a checking account that checks all your boxes, at HawaiiUSA Federal Credit Union.

Whether you need a checking account that's basic and no frills, or one that will earn dividends or cash back rewards, we have an array of account options that fit the bill.

Kasasa Cash BackĀ® Checking
eLife Checking Account
Basic Checking Account
Super Checking Account
Best if

You want to earn cash back rewards on purchases and you plan to use this as your primary checking account for daily spending

You want a checking account that earns dividends on your balance, and you plan to use this as your primary checking account for daily spending

You want a basic checking account for your everyday needs

You want to earn higher dividends while maintaining quick and easy access to your money, with no qualification requirements

You want to restart a banking relationship after being denied a checking account due to previous financial issues

Rewards Type

 
Cash Back

 
Earn Dividends

N/A

 
Earn Dividends

N/A

Minimum Opening Balance

$20

$20

$20

$1,000

$20

Setup Fee

None

None

None

None

None

Kasasa Cash BackĀ® Checking
Best if

You want to earn cash back rewards on purchases and you plan to use this as your primary checking account for daily spending

Rewards Type

 
Cash Back

Minimum Opening Balance

$20

Setup Fee

None

eLife Checking Account
Best if

You want a checking account that earns dividends on your balance, and you plan to use this as your primary checking account for daily spending

Rewards Type

 
Earn Dividends

Minimum Opening Balance

$20

Setup Fee

None

Basic Checking Account
Best if

You want a basic checking account for your everyday needs

Rewards Type

N/A

Minimum Opening Balance

$20

Setup Fee

None

Super Checking Account
Best if

You want to earn higher dividends while maintaining quick and easy access to your money, with no qualification requirements

Rewards Type

 
Earn Dividends

Minimum Opening Balance

$1,000

Setup Fee

None

MyChance Checking
Best if

You want to restart a banking relationship after being denied a checking account due to previous financial issues

Rewards Type

N/A

Minimum Opening Balance

$20

Setup Fee

None

Note: HawaiiUSA checking accounts provide you access to Digital Banking/Mobile App, eStatements, Telephone Banking, a free HawaiiUSA Debit Mastercard®, surcharge-free ATM access at Bank of Hawaii, Transfers, Direct Deposit, and Overdraft Protection, Courtesy Pay, and Shared Branching capabilities.

Frequently asked questions

To get rewarded from your HawaiiUSA checking account, you can choose from Kasasa Checking that rewards you with cash back on purchases, or eLife Checking that helps you earn higher interest on your balance.

Savings and checking accounts serve different purposes, and each has its advantages. A savings account is designed for long-term savings and those with higher interest rates can help your money grow over time. It's ideal for emergency funds or saving for specific goals. On the other hand, a checking account provides easy access to your funds for daily transactions, bill payments, and ATM withdrawals. With an interest-bearing checking account, you can earn money from the cash you deposit. To effectively manage your finances, it's recommended to have both types of accounts. Keep a sufficient balance in your checking account for everyday expenses and use a savings account to accumulate savings and earn interest.

Savings

Your savings goals are within reach

Create a financial cushion or make plans for the future.